Marketing compliance review for lenders — every claim flagged, every fix written, every state checked at once
Campaigns cleared in hours, risky claims caught before launch.
See one case, screen by screen ↓Software that takes every ad, landing page, email, social post and script through compliance review before it runs — flags, fixes, approvals and the record an examiner asks for. Marketing Compliance Review adds six agents that mark up each piece, name the federal and state rule each claim breaks, and write the compliant wording from your live rate sheet.
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Every ad, landing page, email, social post and radio script that mentions a rate, a payment or approval has to meet Truth in Lending advertising rules, the Regulation N ban on mortgage ad misrepresentations, the federal ban on unfair, deceptive or abusive practices, fair lending law — and the ad rules of every state where it runs. A lender licensed in five states answers to five sets of ad rules on every post.
That work sits with a few compliance reviewers. They read each piece by hand, check the rate and payment against the rate sheet, look up which state needs the NMLS ID in the ad and which accepts the profile page, and write comments in a PDF. The piece goes back to marketing, comes back changed, and goes round again. Campaigns wait — or launch with “guaranteed approval” and a rate without its APR.
Estimated split, in working hours, for one rate ad reviewed by hand (about 5.6 business days end to end) and with the solution (3.4 hours, the target).
Six specialist agents mark up every piece and write each fix against federal and state rules; the reviewer accepts, the CCO signs.
Monday 12 October. Pellmore Home Lending’s Kitchen Season home equity campaign — 14 pieces, five states — launches Thursday. Nine pieces are cleared, five are open. Here is what happens next, screen by screen, in the working solution.
Dana opens the campaigns: 23 pieces waiting for review across 6 campaigns. Kitchen Season launches Thursday 15 October, in 3 days, with 5 pieces open — held by “Guaranteed approval”, a rate without APR and a missing NMLS ID. The review clock is 1 business day from a complete submission.
The campaign opens as a grid: 14 pieces down the side, Federal, Texas, Illinois, Maryland, Virginia and North Carolina across the top, each cell the piece checked against that jurisdiction’s rules. P-0417, the first social carousel card, is red in four of six columns with 7 open.
“Each cell is the piece checked against that jurisdiction’s rules · click a piece to open it.”
Leo Marchetti submitted the post at 08:52. It opens as it will run in the feed — “Guaranteed approval in 24 hours. Borrow up to $150,000 at just 6.49% fixed — payments as low as $387/month for 20 years. No closing costs.” Every claim is highlighted and numbered, with a margin note beside it. The badges read Federal, IL, VA and NC red; Texas and Maryland are already clear because the profile page carries the NMLS ID.
“Checked by 6 agents in 38 s against 41 rules for Federal + 5 states · 7 issues, 4 passes.”
The creative reader found 14 claims and numbers. The trigger term checker found the rate, payment and term need the APR and terms. The claim substantiation checker tied each claim to rate sheet RS-2026-41 and file CL-12 — two do not hold. The state rules checker needs the NMLS ID in Illinois, Virginia and North Carolina, and the fair lending reviewer sends the targeting to counsel.
“Waiting for Dana Okafor — 7 issues (5 high), 4 passes.”
Approval depends on credit, income and the home’s value — 12% of home equity applications were declined in Q3, so the guarantee is deceptive. The rewrite is already written: “Fast decisions — most applicants hear back within 24 hours,” backed by substantiation file CL-12 (median 19 hours, 81% within 24). Dana accepts it; the changed line is re-checked against 41 rules for Federal, with no new issues.
Cited: CFPA §1031, §1036 · 12 CFR 1014.3 · Policy MP-2.1.
The rate gets its APR from today’s rate sheet: “6.59% APR (6.49% fixed interest rate).” The $387 payment — the August sheet’s figure at 6.99% — becomes “240 monthly payments of $372.49 per $50,000 borrowed at 6.59% APR,” with the taxes-and-insurance statement. “No closing costs” becomes “We pay third-party closing costs up to $2,500; a $395 origination fee applies.” The licensed name, NMLS ID and Equal Housing Opportunity logo go in. All six badges turn green.
“Ready for sign-off. Every issue is fixed or dismissed with a reason, and the social carousel, card 1 re-checked clean in every jurisdiction.”
The ad set excluded 31 Cook County ZIP codes, 27 of them majority-minority — a redlining risk under Regulation B and the Fair Housing Act, and credit ads must run in the platform’s special ad category. The fair lending reviewer never clears that itself: the fix goes to Priya, who confirms the new audience — all of the five states, ages 18+, no exclusions.
Agent limit: “Never clears a targeting issue — counsel decides.”
Ruth sees version 1 as submitted and version 2 for signature side by side, the seven changes with the rule each one satisfies and who decided it, and the sign-offs: Dana cleared, Priya confirmed. She signs. Approval MCR-2026-1187 is stamped on the piece, with a re-review set for the day rate sheet RS-2026-41 changes or expires on 30 October.
The approval lands in the compliance log: the version that ran, who cleared and who signed, where it runs, and when it must be looked at again. One summer refinance email is already flagged for re-review because its rate sheet expired on 4 October. Records are kept 3 years after the piece last runs.
Load the next rate sheet — 6.74% fixed, 6.84% APR, $379.88 per $50,000 from 2 November — and the 11 live pieces that quote RS-2026-41 are re-checked against 41 rules. Seven will be wrong on 2 November; their rewrites are drafted. Four quote only the fee and the closing credit and carry over. Nothing changes until a reviewer accepts.
The same post, seen by the four people who carry it — the reviewer, the CCO, the marketer and counsel.
Six specialist agents mark up every piece and write each fix against federal and state rules; the reviewer accepts, the CCO signs.
Reads any piece — image, PDF, web page, email, video or radio script — and lists every claim, number and footnote with its size and position, including the audience settings.
Finds Truth in Lending trigger terms and checks the disclosures they require and their prominence — Regulation Z §1026.24 for closed-end credit, §1026.16 for home equity lines, and the broadcast alternative for radio and television.
Ties every rate, fee, amount and speed claim to the rate sheet in force on the run dates and to the substantiation files, and cites the line that proves or disproves it.
Applies each target state’s ad rules — licensed name, NMLS ID and its format, carve-outs, state disclaimers — and reports the exact line each state needs.
Checks imagery, wording and audience targeting — ZIP, age and exclusions against census tract data — and the Equal Housing Opportunity logo or spoken statement.
Writes the shortest compliant wording that keeps the marketer’s intent, from the approved disclosure library and the live rate sheet, in the brand’s voice, citing the rule it satisfies.
Accepts every fix; CCO signs rate ads; counsel decides targeting. The agents propose; a named person decides.
Reviewers and marketers can ask in plain words — or tell it what to fix. Every answer cites the rule, the rate sheet or the file behind it.
Why is “guaranteed approval” a problem?
Because it isn’t true: approval depends on credit, income and the home’s value, and 12% of Pellmore’s home equity applications were declined in Q3. A guarantee that nothing in the post qualifies is a deceptive claim under the federal UDAAP prohibition and a misrepresentation of credit terms under Regulation N. The rewrite keeps the speed promise you can prove: “Fast decisions — most applicants hear back within 24 hours” — median 19 hours, 81% within 24.
What must this post say once it shows a monthly payment?
A payment and a 20-year term are trigger terms. The post must then state the terms of repayment and the APR, and because the loan is secured by a home, that the payment leaves out taxes and insurance and the actual payment will be greater. On RS-2026-41 that reads: 240 monthly payments of $372.49 per $50,000 borrowed at 6.59% APR. The $387 in the draft is the August sheet’s payment at 6.99%.
Which Kitchen Season pieces still block Thursday’s launch?
5 of 14: P-0417, the first social carousel card, with 7 issues; P-0418, card 2, with 3; P-0412, the landing page, with 1; P-0420, the radio spot, with 3; and P-0421, the direct mail postcard, waiting for Ruth’s signature. P-0417 holds the most; the radio spot needs the NMLS ID read for Virginia.
Accept every suggested rewrite on this post
Accepting the rewrites on P-0417 one at a time, each re-checked against 41 rules. The audience change goes to Priya Venkataraman, who decides targeting. Watch the state badges.
13 screens from the working solution, on its sample data. Pick one to see it large.
What every piece is checked against, who signs and how fast — all settings, versioned and on the audit trail.
| Setting | Default | Choose from |
|---|---|---|
| States you advertise in | Texas, Illinois, Maryland, Virginia, North Carolina | Add a state |
| Social profile carries the NMLS ID | On — where the state allows it (Texas, Maryland) | On · Off |
| Rule sets | Truth in Lending, Regulation N, UDAAP on; Truth in Savings off | Each on or off |
| Words always flagged | guaranteed, pre-approved, lowest, free, no cost | guaranteed, lowest · the five plus “best” |
| Who signs | Reviewer clears no-rate pieces (Dana Okafor or Marcus Bell); CCO signs home-secured rate ads (Ruth Abernathy); counsel decides targeting and new claims (Priya Venkataraman) | Any reviewer · CCO or delegate · outside counsel |
| Review clock | 1 business day | 4 business hours · 1 · 2 · 3 business days |
| Re-review when the rate sheet changes | Every live piece that quotes a rate, payment or fee | On · Off |
| Approval expires | After 12 months | After 6 · 12 · 24 months |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample campaign data · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (Persado 2025: 300–3,000 marketing submissions a year, about six rounds each — a vendor estimate). Rules named: 12 CFR 1026.24 and 1026.16 (Regulation Z advertising), 12 CFR 1014 (Regulation N), 7 TAC §57.203, 38 Ill. Adm. Code 1050, COMAR 09.03.09.09, 10VAC5-160-60. People, companies, campaigns and rate sheets named on this page are fictional — characters and sample data in the working solution.
Software that takes every ad, landing page, email, social post and script through compliance review before it runs — flags, fixes, approvals and the record an examiner asks for. Marketing Compliance Review adds six agents that mark up each piece, name the federal and state rule each claim breaks, and write the compliant wording from your live rate sheet.
The trigger term checker finds every payment, number of payments, term, down payment and finance charge, and checks that the APR and terms of repayment are stated and that the APR is at least as prominent as any other rate. For home-secured loans it checks the taxes-and-insurance statement; for radio and television, the APR and toll-free number alternative.
Yes. Each piece is checked against the rules of every state it runs in — in the working solution, Texas, Illinois, Maryland, Virginia and North Carolina — including the licensed name, the NMLS ID and its format, and where a social profile page satisfies the rule and where it does not.
No. The agents recommend. The compliance reviewer accepts, edits or dismisses every rewrite, a dismissal needs a reason, the Chief Compliance Officer signs home-secured ads that state a rate, payment or fee, and counsel decides targeting and new claims.
The fair lending reviewer checks imagery, wording, the Equal Housing Opportunity logo and audience settings, comparing excluded ZIP codes with census tract data. It never clears a targeting issue itself — it routes it to counsel.
Every live piece that quotes a rate, payment or fee is re-checked against the new sheet, and the rewrites with the new numbers are drafted for a reviewer. Nothing changes until a reviewer accepts.
An approval record for each piece — the version that ran, every change and dismissal reason, who cleared and signed it, the rules it was checked against and its re-review trigger — in a compliance log that exports for an examiner.
The Agentic Solution Engine builds and deploys it from your requirements — your state footprint, rate sheets, disclosure library and marketing policy — and it goes live once every quality gate has passed. We will walk you through it on your own ads first.
One question, all fifty states at once, every answer cited to the rule it comes from.
1-min demoRegulatory Change ManagementEvery new rule scoped to products and states, and owned the day it lands.
1-min demoHMDA and 1071 Data ValidationEvery record checked against the file, not a sample, before filing.
1-min demoWe’ll run Marketing Compliance Review on a sample of your own ads, rate sheets and state footprint.